| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF RD, STE 1100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | $7K | $147K | 19.90% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 2.21% |
| SIDNEY COPLESTON3 | 133 RIVER LANDING DR CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | -$21K | — | -$21K | -2.89% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL INC, | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$26K | -$26K | -3.48% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | UNITY HEALTH PLANS INSURANCE CORPORATION | $16K | — | $16K | 3.18% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES, LLC | PO BOX 510187 NEW BERLIN, WI 53151 | UNITY HEALTH PLANS INSURANCE CORPORATION | $55 | — | $55 | 0.01% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | NATIONWIDE LIFE INSURANCE CO | $20K | — | $20K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE CO | $15K | — | $15K | 7.50% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | AMERITAS | $7K | — | $7K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $4K | — | $4K | 5.50% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE CO | $6K | $3K | $8K | 11.77% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $4K | — | $4K | 9.20% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 108 | $708K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,701 | $810K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 898 | $119K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,701 | $740K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,701 | $740K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,701 | $740K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 108 | $501K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,701 | $945K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.